mainly to employee expenses and repair and maintenance of premises and equipment expenses, whereas marketing expenses fell. As a result, our cost- to-income ratio stood at 42.70 percent, which was still

our credit management standards.  Market Risk Management Market risk may arise from changes in interest rate, foreign exchange, equity and commodity prices, as well as credit spreads. These changes

disposal of investment, and Employee benefits (7) Adjustment to earnings, net of tax The operating result for three-month period ended September 30, 2019 The company’s profit from continuing operations for

Market risk may arise from changes in interest rate, foreign exchange, equity and commodity prices, as well as credit spreads. These changes affect KBank’s and K Companies’ present and future income

year, and from the provision of employee benefit for retirement, a non-recurring item classified under administrative expenses. Excluding the non-recurring items and the performance of residential

personnel expenses including additional employment in a newly established subsidiary, gradual improvement of employee benefits as well as higher R&D expenses. All above activities have been prepared for the

adoption of new financial reporting standards, the acquisition of a new subsidiary and the depreciation of the Thai Baht that affected the value of Company’s overseas assets • Net debt to equity ratio at the

Position February 29, 2024 May 31, 2024 Change Unit : Million Baht %YTD Accounts Receivable Total Assets Total Borrowing Total Liabilities Equity Attributable to Owners of the Parent 91,305 92,499 62,513

Company reported net loss attributable to the equity holder of the Company was 338.6 million baht. Loss per share for this quarter was 0.16 baht. Notable Event 1Q2020 Airline Business 1. The COVID-19

instruments, equity instruments, equity to retirement mutual funds (RMF) and long-term equity funds (LTF). 4.4 LH Bank Privilege Banking Service is a new service to privileged financial service for high end